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Savings Accounts

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Momentum Saver

Saving for something special? This account rewards you for building your balance – so you can reach your goal faster.

  • No monthly account fee
  • No intro rates that vanish
  • Earn a great variable bonus interest rate
  • Rate + Bonus up to $250,000 4.85 % p.a. Interest rate
Apply now Learn more

Essential Saver

This account lets you dip in and out of your savings and still earn a good variable rate.

  • Flexibility to dip into your savings without being penalised
  • A smarter choice if you’re unlikely to meet bonus conditions every month
  • No monthly account fee
  • Variable rate up to $1,000,000 4.75 % p.a. Interest rate
Apply now Learn more

Pension Advantage

Our Pension Advantage account can help if you’re receiving income from a government pension.

  • No account access fees
  • No minimum balance
  • Optional Visa Debit card with payWave
  • Up to $50,000 2.75 % p.a. Interest rate
Apply now Learn more

Starter Saver

Under 30 or a university student? Get a head start.

  • No monthly account fee
  • No minimum deposits
  • No regular deposit requirement
  • Portion of balance ≤ $50,000 5.00 % p.a. Interest rate
Apply now Learn more

Everyday Direct

Bank your way, wherever you are with our easy, secure, low-cost transaction account.

  • No monthly account fee
  • No electronic transaction fees
  • No Bank@Post transaction fees
  • 0.00 % p.a. Interest rate
Apply now Learn more

Edvest Cash Management

The Edvest Cash Management account lets you transact, save and gives you high interest.

  • No account access fees
  • Easy and secure online access to your money
  • $30 p.a. Edvest membership charge
  • $2,000 and over 0.75 % p.a. Interest rate
Apply now Learn more

Enquiry Details

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All applications for credit are subject to our responsible lending criteria. Fees and Charges apply. You can find our Consumer Lending terms and conditions and Credit Card terms and conditions available online or from any of our offices.

Your privacy at the Bank is important to us. Please read our Privacy Framework along with our Privacy Notice and our Privacy Consent - Lending.

If you submit this form, the Bank may contact you about products and services we offer which may be of interest to you, unless you have opted out of receiving marketing communications. If you are not an existing member, and you do not take out the product or service this form relates to, the Bank will not use your personal information from this form for marketing purposes after 6 months from when you submit the form. For more information, please refer to our Privacy and Credit Reporting Policy. 

Why choose Australian Mutual Bank?

  • 100% Customer owned

    On becoming a member of our bank, you're not just a customer, you're an owner!

  • Ethical banking

    The benefit of our members, society, and the planet drives everything we do

  • Friendly service

    Our number one goal is to give you the best overall banking experience we can

  • Safe and secure

    Eligible deposits are protected by the Financial Claims Scheme

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Australian Mutual Bank acknowledges the Traditional Owners and Custodians of the land where our office is located in Surry Hills, Sydney as the Gadigal people of the Eora Nation. We further acknowledge the Traditional Owners and Custodians of Country from where our members and employees reside.

We extend our deep respect to Elders, past and present, and emerging Community leaders for maintaining enduring connections that protect and care for Country for a sustainable future.

Disclosures | Security | Privacy | BSB: 611 100

Australian Mutual Bank is a division of Teachers Mutual Bank Limited.

For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. Full details are available on this website or on request. Lending criteria apply to approval of credit products. This information is general in nature and does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from or through Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL and Australian Credit Licence 238981.

© 2026 Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981